Method and System of Adjusting Medical Cost Through Auction

1. A medical cost adjusting method for determining a medical cost for a medical service provided by a medical institution to a patient, implemented using a computer system including: at least one patient terminal used by at least one patient, at least one medical institution terminal used by at least one medical institution, at least one third party terminal used by at least one third party who is not a session member, and a session server in communication with the at least one patient terminal and the at least one medical institution terminal via a communication network, wherein the session server stores and processes data entered from the at least one patient terminal, the at least one medical institution terminal, and the at least one third party terminal, the method comprising the steps of: (a) conducting a regular auction to set the price of a medical treatment to be provided to a patient by a medical institution by: (i) receiving at the session server via the communication network an offered medical cost for the medical treatment as an ask price of at least one medical institution, using the session server, transmitted from the at least one medical institution terminal; and (ii) receiving at the system server via the communication network an amount offered to be paid by the at least one patient for said medical service as a bid price of the at least one patient, transmitted from the at least one patient terminal; (b) using the session server to adjust a bid price and an ask price so that an auction trade can be carried out, by: (i) adding to the bid price and subtracting from the ask price amounts of portions of proceeds of a lottery held among a plurality of unspecified many parties, wherein a winning lottery number thereof is determined at least on the basis of a value obtained by converting an average stock price in at least one stock market to a selected currency based on a currency exchange rate at a predetermined time; and (ii) adding to the bid price or subtracting from the ask price the amount of a donation to a patient or to a medical institution, respectively, from a third party who is not a session member; (c) using the session server to determine session members as parties who are directly concerned in the setting of a price for the medical treatment by combining the regular auction with a reverse auction; (d) using the session server to execute an auction trade by said session members; and (e) using the session server to end the auction when at least one medical institution presents an ask price which, as adjusted in step (b), is lower than or equal to said bid price presented by said at least one patient, as adjusted in step (b), or when a predetermined auction ending time is reached.

2. The method according to claim 1 , wherein in said step of using the session server to execute an auction trade, when a maximum bid price is presented by said at least one patient, said bid price is adjusted to be less than the maximum bid price or a bid is made within the range of not more than said maximum bid price.

3. The method according to claim 1 , wherein in said step of using the session server to execute an auction trade, the appropriateness of a price adjustment of said ask price or said bid price is evaluated on the basis of statistical analysis of results of ballots or questionnaires collected from parties to the auction trade other than said session members to adjust said ask price or said bid price.

4. The method according to claim 1 , wherein biographical information of said at least one patient is detected during an auction and compared with master data of said at least one patient registered in advance for personal authentication, lie detection, emotion recognition or health checking of said at least one patient.

5. The method according to claim 4 , wherein said biographical information of said at least one patient includes at least one of a voice, an expression on a face, an iris, a retina, a voice printing, a body temperature, a pulse, a brain wave, a blood pressure and a cutaneous electrical resistance.

6. The method according to claim 1 , wherein pieces of information presented by said at least patient and said at least one medical institution are stored in a database as user objects, wherein: a) when said at least one patient and said at least one medical institution participate in a reverse auction trade, in which the patient is an active party in obtaining the medical treatment and the at least one medical institution is a passive party in providing the medical treatment, a user object created from information presented by said at least one patient is defined as having an active/obtaining attribute, and a user objected created from information presented by said at least one medical institution is defined as having a passive/providing attribute, and b) when said at least one patient and said at least one medical institution participate in a regular auction trade, in which the patient is a passive party in obtaining the medical treatment and the at least one medical institution is an active party in providing the medical treatment, a user object created from information presented by said at least one patient is defined as having a passive/obtaining attribute, and a user object created from information presented by said at least one medical institution is defined as having an active/providing attribute.

7. The method according to claim 6 , wherein when said matching is carried out to determine session members as parties concerned in an auction trade, the session server uses any one of the active/obtaining, passive/providing, passive/obtaining and active/providing attributes to determine whether to generate a regular auction group or a reverse auction group.

8. The method according to claim 1 , wherein in said step (b), when said matching is carried out to determine session members as parties concerned in an auction trade, the pieces of information also include at least contracted insurance information.